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Can I Add My Friend to My Car Insurance Policy?

Updated: December 2017

You may be able to add someone to your car insurance policy if they are related to you or live at the same address. Whether you're thinking of loaning your car to a friend for a quick trip, or buying a car with your roommate, here are some scenarios to consider:

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Can I Add My Roommate To My Car Insurance?

You may be able to add your roommate to your car insurance since you live at the same address. If you own a car but your roommate does not, the insurance policy for the car needs to be in your name. Ask your agent about adding your roommate to your car insurance policy as an operator (driver) of your vehicle.

In situations where each friend living at the same address has their own vehicle, you'll each need to have your own auto insurance policy. If you are likely to drive each other's cars, check with your agent to be sure your coverage extends to other drivers and to learn whether you should include them as operators on your policy.

Can I Add Someone To My Car Insurance If They Live at a Separate Address?

Generally, people listed on an auto insurance policy must be the owners of the vehicle or related to the owner.

If you have a child who is using the family vehicle while away at college, you may be able to keep him on your car insurance policy.

You typically will not be able to add a non-related driver who does not live in your home to your policy.

If you and a friend own a vehicle together but do not live at the same address, you may have trouble obtaining an auto insurance policy. A local agent can help you determine the best way to handle this situation.

Other Considerations

In most cases, the auto insurance policy covering a vehicle is the primary insurance, regardless of who is driving, the Insurance Information Institute says. If your car is involved in an accident, your insurance will likely help cover the cost of damage — even if your friend was driving at the time. Your friend's auto insurance may also be used as secondary coverage, particularly if the claim for the accident exceeds your policy's coverage limits.

It's important to understand your auto insurance coverage before you share your vehicle or purchase one with a friend. Talk to your agent and be sure that you, your friend and your vehicle are covered.

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This content is for informational purposes only and may not be applicable to all situations.

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